Call reports 2022
MONROE SAVINGS BANK — 2022
What MONROE SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 110,126,000 | 109,680,000 | 106,468,000 | 101,588,000 |
| Total loans | 72,228,000 | 75,865,000 | 81,461,000 | 85,716,000 |
| Allowance for loan losses | 727,000 | 754,000 | 850,000 | 949,000 |
| Securities available for sale | 6,904,000 | 7,436,000 | 6,873,000 | 6,542,000 |
| Securities held to maturity | 859,000 | 1,808,000 | 1,772,000 | 1,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,871,000 | 82,330,000 | 79,218,000 | 76,908,000 |
| Interest-bearing deposits | 76,452,000 | 78,449,000 | 74,087,000 | 74,095,000 |
| Noninterest-bearing deposits | 6,419,000 | 3,881,000 | 5,131,000 | 2,813,000 |
| Equity capital | 13,858,000 | 13,914,000 | 13,895,000 | 14,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,729,000 | 2,787,000 | 3,946,000 |
| Interest expense | 197,000 | 396,000 | 593,000 | 816,000 |
| Net interest income | 621,000 | 1,333,000 | 2,194,000 | 3,130,000 |
| Noninterest income | 11,000 | 25,000 | 38,000 | 103,000 |
| Noninterest expense | 589,000 | 1,190,000 | 1,812,000 | 2,433,000 |
| Provision for loan losses | 0 | 27,000 | 123,000 | 235,000 |
| Pretax income | 43,000 | 141,000 | 297,000 | 565,000 |
| Income tax | 12,000 | 41,000 | 85,000 | 163,000 |
| Net income | 31,000 | 100,000 | 212,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,876,000 | 13,945,000 | 14,057,000 | 14,247,000 |
| Total capital | 14,578,000 | 14,663,000 | 14,809,000 | 15,034,000 |
| Risk-weighted assets | 56,119,000 | 57,434,000 | 60,065,000 | 62,809,000 |